Garanti BBVA Romania
is part of the
Raiffeisen Bank
International
Group

Good news for you

Raiffeisen Bank has completed the acquisition of 100% of the shares of the Garanti BBVA Romania Group, which includes Garanti Bank S.A. and the leasing company Motoractive IFN S.A. With the completion of the transaction, Garanti BBVA Romania becomes part of the Raiffeisen Bank International Group.

Raiffeisen Bank International (RBI) is one of the strongest bank groups from Austria and from Eastern and Central Europe, servicing over 18.8 million customers on 11 markets in the region.

Garanti Bank’s integration into the RBI Group will bring you the benefits of being part of a strong international financial group, with extensive resources, regional expertise and more than 130 years of banking experience.

Business as usual for customers

Until the legal merger is completed, which is expected in the second half of 2027, Garanti BBVA Romania and Raiffeisen Bank Romania will continue to operate independently, with both banks conducting business as usual.

✅ Both banks will continue to operate as usual
✅ Products and services will remain unchanged
✅ Existing contracts will remain in force
✅ No action is required on your part

We welcome you to the Raiffeisen Bank International Group and look forward with confidence to the next stage of this journey!

Processing of personal data in the context of the acquisition and integration of Garanti Bank by Raiffeisen Bank

Throughout the integration process, we will also take care to ensure the continuity of services and the protection of your personal data.

In this context, certain personal data held by Garanti Bank may be transferred to and processed by Raiffeisen Bank, in stages and only to the extent necessary to prepare for and implement the integration process, ensure the continuity of banking products and services, and comply with applicable legal and regulatory obligations.

Detailed information on how your personal data is processed, as well as the rights available to you, can be found in the:

Questions and answers

We will be with you throughout this process and will provide you with the information you need at every stage. To begin with, we have prepared a set of questions and answers to help you quickly find the most important information.

Retail customers

Garanti BBVA has a new shareholder – Raiffeisen Bank. Throughout the integration process, Garanti BBVA Romania continues to operate and serve its customers through its existing channels, just as before. Nothing changes at this time in your relationship with Garanti BBVA.

The integration will take place gradually and, according to the current estimate, will be completed in the second half of 2027. Customers will be informed in advance about relevant milestones and changes.

At this time, the way you use banking services does not change.

Your accounts, cards, loans, deposits and contractual terms remain unchanged. Continue to use Garanti BBVA branches, apps and other channels as before, until further official communication.

No. Transaction completion does not require you to change your account, replace your card, download another app or sign any new documents.  Any future changes will be communicated transparently, in accordance with your contract and applicable legal requirements.

Continue to use existing Garanti BBVA products and channels as usual.

Your deposits and contracts remain valid under their current terms. Transaction completion does not change your rights or the bank’s contractual obligations. Protection under the applicable deposit guarantee scheme also remains in force, in accordance with the relevant legal framework.

Customer safety and service continuity remain priorities throughout the integration.

During the transition period, the two banks operate as separate entities, which means that FGDB protection applies separately to the amounts held at each bank.

No. Transaction completion does not require you to open an account with Raiffeisen Bank or take any other action.

Not at this time. Your Garanti BBVA account and IBAN continue to work as before. If a change is required at a later stage of the integration, you will be informed directly and in advance.

Not at this stage. The two banks continue to operate separately. Continue to use Garanti BBVA branches, ATMs and digital channels under the current terms.

As a Garanti BBVA customer, the current terms for cash withdrawals from other banks’ ATMs will also apply to Raiffeisen Bank ATMs until the integration is completed.

Future access to Raiffeisen Bank infrastructure or services will be communicated once the necessary conditions have been confirmed.

The current branch network continues to operate, and you do not need to take any action at this time.

If there are changes in the future, you will be informed in advance and provided with clear and accessible alternatives for using banking services.

POS and eCommerce card payment acceptance services continue to operate under the current contractual and operational terms. Merchants do not need to take any action at this time. Any future changes to contracts, service channels, technical settings or support will be communicated clearly and in advance.

No. Your loan remains with Garanti BBVA under the terms of your current contract.

If an administrative or operational change is required later, you will receive an official communication in advance, with clear explanations of its impact.

Continue to use the same payment method and account details as before, unless you receive an official notification from us with different instructions.

Transaction completion does not automatically change fees, interest rates or other contractual terms.

Any future changes will be communicated transparently, in accordance with the contract and applicable legal requirements.

Yes. Your account will continue to work as before, and the way you receive payments does not change.

Yes. Existing payment instructions remain unchanged. Individuals or companies making payments to you do not need to update your account details.

For now, your relationships with the two banks remain separate. The contracts you have with each bank retain their current terms.

Continue to use each bank’s channels for the products and services you have contracted with that bank.

Our priority is service continuity, quality and security. The integration will be planned, tested and implemented gradually.

If a future technical stage temporarily affects a service, you will be informed in advance and will receive clear instructions and support.

During this process, Bank employees will never request, by phone, email, SMS, WhatsApp, or social media, SMS authorization codes, passwords, PIN codes, or full card details.

Do not provide confidential information or open links from unverified sources. Transaction completion does not require you to disclose passwords, your PIN or full card details.

Before taking any action or completing any transaction that appears suspicious, contact Garanti BBVA and verify the message through the Bank’s official communication channels.

At this time, neither the brand nor the way Garanti BBVA customers access services is changing. Any future changes to the brand will be communicated clearly and in advance.

Over time, Garanti BBVA customers are expected to benefit from the Raiffeisen Group’s expanded capabilities, expertise and investment capacity.

We are committed to making the transition as clear and simple as possible, while continuing to serve you with care and professionalism.

Corporate/ SME clients

Yes. Existing contracts remain valid under their current terms.

Yes. Existing facilities continue in accordance with their contractual terms. No immediate action is required as a result of the transaction completion.

There is no immediate change solely because the transaction has closed. If a change becomes relevant in the future, you will be informed directly.

No immediate change is required. Existing arrangements continue unless the bank communicates otherwise directly.

Yes. If your company has POS terminals or eCommerce card acceptance services, these continue to operate under the existing contractual and operational arrangements. No immediate action is required because of the transaction being completed.

No immediate change is required. Existing contracts, service channels, and technical arrangements continue to apply. If any future change becomes necessary, the bank will inform you clearly and in advance.

Not automatically. During the integration period, the banks continue to operate through their existing product, approval and service structures.

Over time, the combined organization is expected to offer greater financing capacity, specialized expertise and broader technology and service capabilities. Specific products or benefits will be communicated once they are available.

You might also be interested in:

Confidentiality policy

As a result of the modern banking system, customer satisfaction and protection-oriented banking services, Garanti BBVA has adopted and applies basic rules to ensure the confidentiality of all transactions carried out by you and the protection of all information entered or provided by you through the website www.garantibbva.ro

Find out more

Personal data processing

We take into account the types of personal data collected and processed within GARANTI BANK SA, the purposes and grounds for such processing, the recipients of the data, the storage periods, the rights of the data subjects.

Find out more